Insurance Benefits. Presented by, Josh Sherman MSYSA Director of Programs

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1 Insurance Benefits Presented by, Josh Sherman MSYSA Director of Programs

2 Overview US Soccer Recognize to Recover Explain the various types of insurance that is offered to members of MSYSA Liability Coverage, Director s & Officers Coverage, Tournament Insurance, Indoor Insurance and more. Discuss inclement weather informapon and procedures Review of goal safety

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4 Aimed to promopng player safety and injury reducpon/prevenpon through educapon and awareness Includes areas relapng to: Injury prevenpon Injury recovery Concussions Head & HydraPon and more!

5 US Soccer Recognize to Recover Concussion Video

6 MSYSA Insurance Coverage & Outlines

7 What is Insurance? Coverage by contract in which one party agrees to indemnify or reimburse another for loss that occurs under the terms of the contract.

8 MSYSA Insurance Rules Rule 2.9, Insurance: A. Player s Medical Insurance. All players registered with the AssociaPon shall be required to file medical insurance claims with their primary insurance company prior to filing medical claims with the State AssociaPon. B. Public Liability Insurance. All officers of the AssociaPon and member organizapon officials of the AssociaPon, noted on each member organizapon s affiliapon paperwork and/or MSYSA s online registrapon system affiliapon process, shall be protected against general liability claims and directors and officers liability claims by MSYSA s insurance carrier for performing acts and dupes related to the work of the AssociaPon. MSYSA assumes the costs of general liability and directors and officer s liability, and all deducpbles associated with general liability coverage and directors and officer s liability coverage, to ensure the protecpon of its officers and member organizapon officials.

9 MSYSA Rules (conpnued) Rule 2.9: C. Report of Insurance Claims. All injuries from MSYSA or US Youth Soccer acpvipes must be reported, in wripng, to both the member organizapon and MSYSA within 7 days. MSYSA carries secondary medical coverage. All claims are required to first be made through each member s primary insurance carrier prior to being submi_ed to MSYSA. NoPce of claims must be filed within 30 days from the date of injury or as soon thereacer as is reasonably possible. D. General Liability Insurance. All member organizapons shall provide MSYSA a list of fields used for games and pracpces with the owner and the addresses by a specified date and Pme as determined by the MSYSA board of directors.

10 General Liability GL insurance provides liability protecpon for MSYSA and member organizapon s of MSYSA for the alleged or actual acts of civil negligence. Note: Civil negligence is the breach of a duty to care. Provides coverage for: Bodily Injury/Property Damage Claims (athlepc parpcipant liability claims, sexual abuse/molestapon claims, spectator claims, etc.) Personal/AdverPsing Injury (Copyright infringement, libel/slander, etc.) Property Damage

11 Who is insured under the GL policy? MSYSA Affiliated associapons and its leagues, clubs, teams, players, coaches, referees, sponsors, directors and officers, administrators, officials, and volunteers while achng on behalf of MSYSA. Limits of Liability Each occurrence limit $1,000,000 Excess: $5M Sexual Abuse/MolestaPon: $1M per occurrence, $2M Aggregate (Defense costs outside the limited men:oned above)

12 SancPoned & Supervised AcPviPes Usual acpvipes that are scheduled, sancponed, approved, organized, and supervised by the Named Insured (MSYSA). Coverage valid only while you are acpng under the auspices of MSYSA. Always contact MSYSA if you are unsure if an achvity is an approved achvity or not.

13 PracPces Tryouts Tournaments Fundraising Drives Parades which teams parpcipate Examples of Covered AcHviHes Clinics OperaPon of concessions (Food/Beverage) Games Team Picnics Award Banquets & Ceremonies (will not cover events that host alcohol)

14 Exclusions (What is not covered) Employment Related PracPces Property in the care, custody, control of the insured IntenPonal acts (events that expected to cause property damage/bodily harm) Liability to pay Workers CompensaPon Amusement devices (climbing walls, rides, etc.) except inflatables and dunk tanks Liability coverage for any driver transporpng soccer players

15 Tournament Insurance MSYSA provides sancponed tournaments GL insurance coverage on behalf of our members. MSYSA tournament sancponing deadline: Feb. 1, 2016 ($125) Common quespon: I m interested in hospng a 3 v 3 soccer tournament in my area. Are we covered by MSYSA? The format of play has no bearing on the insurance coverage. Once sancponed, MSYSA extends GL insurance to the tournament. MSYSA registered players will be provided secondary medical insurance. Any/all players or teams not affiliated with MSYSA must provide their own medical insurance to MSYSA sancponed tournaments.

16 Excess Liability Coverage Provides addiponal limits of liability over the primary liability limits for catastrophic claims. Coverage is follow form over the underlying GL policy. MSYSA provides excess liability limits of $5M/ occurrence. MSYSA accident medical policy pays acer any other applicable insurance benefits (e.g. parents insurance) have considered the charges.

17 Accident Medical (Secondary) Provides medical expense coverage for an insured person injured during a sanchoned and supervised acpvity of MSYSA. Insured person: registered team members, coaches, referees, officials, and volunteers. REMEMBER! A sancponed acpvity can be a scheduled pracpce, game, organized GROUP travel, or other sponsored acpvity under the direct supervision of a team official as authorized by MSYSA (policy holder).

18 Accident Medical (Secondary) $100,000 max. per accidental injury $500 deducpble per accidental injury 2-Year benefit period Benefits are available for 104 weeks from date of injury Available as a benefit of membership with MSYSA MUST meet the following criteria for an MSYSA Medial Claim: MSYSA must be nopfied of the injury within seven days and the claim form must be submi_ed within 30 days of the accident date or as soon thereacer as is reasonable possible. Player/coach must be registered with MSYSA during the Pme of accident. LocaPon must be an insured locapon at the Hme of accident. Must be a soccer-related injury as approved by MSYSA

19 Covered Exp. (Examples) Hospital/Physicians Charges X-rays Lab Exams Rx Drugs & Supplies TherapeuPc Services (i.e. PT) Dental Treatment (injury to natural teeth) Non-Covered Exp. (Examples) Injuries sustained during non-msysa acpvipes IntenPonally self-inflicted injury Losses from sickness/ disease unless a bacterial infecpon from a wound Losses incurred as a result of being intoxicated.

20 Non-Profit Liability (D&O) Insurance Provides protecpon to MSYSA and its scheduled affiliate s board members, commi_ee members, volunteers, employees for claims alleging wrongful act (harm) a_ributed to the governance of the organizapon Legal expenses paid on your behalf as they re incurred if defense of claim is tendered to underwriter Employment pracpces, liability coverage, including wrongful terminapon, sexual harassment, discriminapon, and breach of employment contract. No personal injury exclusion (defamapon, libel/slander coverage included) PuniPve damage coverage included as well as third party discriminapon coverage is provided under this policy.

21 D&O Exclusions Fraudulent/dishonest acts Bodily injury injury, sickness, disease or death, personal injury including emoponal distress and mental anguish Property damage Failure to maintain insurance Prior known and reported wrongful acts/prior or pending proceedings Lawsuits cerpfied as a Class AcPon Failure to perform professional services for others.

22 Examples of D&O Claims, Limits, RetenHons (DeducHbles) Wrongful acts: means any actual or alleged breach of duty, neglect, error, misstatement, misleading statement, omission by the OrganizaPon or an insured in the performance of dupes on behalf of the enpty. Failure to follow stated policies & procedures as stated in bylaws. Claims arising over rules interpretapons. DiscriminaPon/harassment of an employee, coach, officials, or other third party (parent/spectator) Limits & DeducPbles $2M Shared Policy aggregate Defense Costs outside limit of liability Coverage for both monetary and non-monetary claims (injuncpve relief) Defense cost coverage for breach of contract claims Each Claim RetenPon of: $5,000 D&O Claims $15,000 Third party discriminapon

23 Employee & Volunteer Dishonesty Crime Coverage MSYSA Direct Member OrganizaPon receive coverage Protects leagues from losses involving thec of money and other property by the dishonest acts of your employees or volunteers. Limits of insurance are: $50,000 per each loss occurrence Claims are subject to an occurrence deducpble of $1,000

24 Employee & Volunteer Dishonesty Crime Coverage Extended to leagues who implement the following risk management controls: Bank statements are reconciled monthly by someone other than a person authorized to sign checks, make deposits, withdrawals or having access to accounpng socware that prints checks. Check wripng and deposipng responsibilipes should be divided and not be done by the same individual.

25 Indoor Insurance MSYSA provides indoor insurance coverage (secondary medical & GL) on behalf of our members Applies to currently registered players, coaches, assistant coaches, team managers, league administrators and board members who may parpcipate on an indoor field with or without boards or who may parpcipate in a gym or in some other sancponed acpvity such as play on non-soccer specific indoor space.

26 Indoor Insurance Provided if: An MSYSA affiliated league (where players are already registered to teams), requests, in wripng, to MSYSA sancponed or endorses indoor team parpcipapon An MSYSA affiliated league hosts or coordinates indoor training, games, pracpces, scrimmages, etc. MSYSA affiliated league requests COIs in advance of the achvity. Coaches, Assistant Coaches, Team Managers and other Team Officials must be registered with MSYSA and must be MSYSA RM cerpfied.

27 Common quespon Does a cerpficate of insurance cover futsal acpvipes? Yes As long as all the criteria is sapsfied Coverage is extended to currently registered members NEW members must be registered in order to be covered

28 Inclement Weather Per US Soccer s posipon statement, when you see lightening, count the Pme unpl you hear thunder. If this Pme is thirty (30) seconds or less, seek shelter. Wait thirty (30) minutes or more acer hearing the last thunder before resuming acpvipes. It is strongly recommended, prior to pracpces that if thunderstorms are forecast, consider postponing acpvipes early to avoid being caught in a dangerous situapon.

29 Goal Safety Each MSYSA league or club should implement a goal safety program. MSYSA insists that no youth soccer parhcipant move soccer goals in any circumstance. When goals are not in use, the nesng should be removed and the goals should be secured either to one another or to a fixed structure.

30 MSYSA Online EducaPon MSYSA Goal Safety & EducaPon Video YouTube h_ps:// Disseminated through MSYSA s website, social media plavorms, Michigan Soccer Referees and more! Please review the view and share on your club/league media outlets.

31 MSYSA Online EducaPon Insurance & Risk Management Module for Administrator s Free Online Ability to receive a cerpficate of complepon Offers much more informapon! Available at

32 QuesPons?